class Account():
    """A bank account that has a non-negative balance."""
    interest = 0.02

    def __init__(self, account_holder):
        self.balance = 0
        self.holder = account_holder

    def deposit(self, amount):
        """Increase the account balance by amount and return the new balance."""
        self.balance += amount
        return self.balance

    def withdraw(self, amount):
        """Decrease the account balance by amount and return the new balance."""
        if amount > self.balance:
            return 'Insufficient funds'
        self.balance -= amount
        return self.balance

